Fifth Third Bancorp (FITB) Stock Concentration Calculator
Calculator · free · no signup · FITBQuantify Fifth Third Bancorp concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Fifth Third Bancorp
Fifth Third Bancorp (FITB) is a public Fintech company, incorporated in Ohio and headquartered in Cincinnati, OH.
Last close: $57.29 per share (as of 2026-08-19).
Equity grants at Fifth Third Bancorp typically include restricted stock units (RSUs).
Fifth Third Bancorp is a bank holding company headquartered in Cincinnati, Ohio. It is the parent company of Fifth Third Bank, which operates 1,087 branches and 2,400 automated teller machines, across 12 states: Ohio, Alabama, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, South Carolina, Tennessee, and West Virginia. One of the largest banks in the United States, it is ranked 321st on the Fortune 500. The name "Fifth Third" is derived from the names of the bank's two predecessor companies, Fifth National Bank and Third National Bank, which merged in 1908.
Source: Wikipedia (CC BY-SA 4.0)
The odd name comes from an 1908 merger of the Fifth National Bank and the Third National Bank of Cincinnati, and the company remains a regional lender across the Midwest and Southeast. Branch density in core markets funds commercial and consumer lending, and fee businesses in payments and wealth management supplement spread income. Deposit competition and the mix between interest-bearing and non-interest-bearing accounts drive margin. Commercial credit performance is the swing factor in any given cycle. Headquarters are in Cincinnati.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Fifth Third Bancorp.
If a meaningful share of your net worth sits in FITB, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with FITB's option-implied volatility.
Example: 5,000 FITB shares at $57.29 is a $286,450 position. A 30% drawdown costs $85,935; a 50% drawdown costs $143,225; a 70% drawdown costs $200,515. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using FITB's option-implied volatility and your cost basis.
All Fifth Third Bancorp tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Fifth Third Bancorp equity questions
- How much FITB stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your FITB position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Fifth Third Bancorp grant ISOs, NSOs, or RSUs?
- Equity compensation at Fifth Third Bancorp typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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OptionsAhoy plans your Fifth Third Bancorp equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.